Credit Cards FAQ

Frequently Asked Questions about Credit Cards

    How did NextAdvisor review these credit cards?

    We thoroughly researched all the credit card offers in this category, comparing interest rates, features and any rewards programs they might offer. We also looked at annual fees, late fees and whether you need to pay off your balance each month. After weighing the data we created our credit card ranking.

    After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. We also constantly monitor the providers' sites for any service changes or specials.

    We only include providers on our site that we believe offer a good value proposition. If there is a provider you know of that is not on our site, you can be fairly certain we did not rate that provider highly enough to include in our comparison. If you think we are missing a quality provider or have any other suggestions or comments, please visit our contact us page.

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Top Credit Cards

Capital One® Venture℠ Rewards Credit Card

Bottom line: Terrific all-around travel card with easy rewards redemption, no blackout dates or restrictions
Citi Simplicity® Card

Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Citi® Diamond Preferred® Card

Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Capital One® Cash Rewards - $100 Cash Back Bonus

Bottom line: Effective 1.5% cash back on all purchases; 0% intro APR on purchases & balance transfers; $100 bonus opportunity
United MileagePlus® Explorer Card

Bottom line: Good choice for United flyers who want to earn free flights with great perks; flight redemption value of $1.75
Blue Cash Everyday® Card from American Express

Bottom line: Up to 3% cash back on everyday spending; $100 cash back bonus; unlimited cash back
Discover it® Card

Bottom line: Combines cash-back rewards with a 14-month 0% intro APR on purchases & balance transfers
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Bottom line: Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity

Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most of the services we review. Our editors thoroughly research and whenever possible test each service we review and offer their honest opinions about each one. We are independently owned and operated and all opinions expressed on this site are our own.